6 Reasons Why You Need Travel Insurance

Aug 24, 2023

Last Updated on: Nov 13, 2025

Travel Guides

Traveling could be among the most rewarding experiences one can have, whether it’s for leisure or business. The idea of discovering a new destination and wandering its streets is really exciting. However, before you embark on a fresh journey, have you ever thought of what might go wrong during your travel arrangements?

Imagine arriving at your destination only to discover that your luggage is nowhere to be found. Consider the scenario where your flight unexpectedly gets canceled. The solution to these uncertainties is travel insurance.

What Is A Travel Insurance? 

Suppose you missed your early flight to America or forgot your bags in China- who is going to take responsibility?  Have you ever thought about the priceless money you will lose without a stable backup? Here is when the need for travel insurance kicks in. 

Travel insurance refers to an insurance type that covers financial losses related to traveling. But it doesn’t end there. Insurance for traveling can also be helpful while getting protection for international or domestic travel. Other factors that might also affect travel are also covered under this, like injury, illness, accidents, etc. 

Many travelers either forget to opt for travel insurance or purposely avoid purchasing it. In both these cases, you will have to bear the consequences. Regardless of whether you are traveling abroad or within your own country, travel insurance is an essential safeguard that offers multiple advantages.

Why Do You Need This Insurance Right Away: 6 Key Reasons? 

Imagine going on a fun tour with your friends or your loved one, and something unfortunate happens. Nobody would ever want that, right? This is why here are the top 6 reasons why travel insurance is important when you embark on any journey.

Financial Security When Traveling Abroad

Financial Security When Traveling Abroad

Imagine a situation where you visit a foreign country for the first time and find your wallet or bags stolen. What could you do in this situation? This is where your travel insurance proves its worth.

In cases of unexpected emergencies, such as thefts, your travel insurance company becomes your support system, providing the necessary financial assistance to address the situation. If you’re uncertain about which service provider to choose from the many available, you can easily compare prices with Utility Saving Expert and find the cheapest and most appropriate cover for your travel needs.

It Covers Medical Emergencies

Every Travel Insurance policy includes coverage for medical treatment expenses up to a specified limit. These policies are inclusive and do not differentiate between various types of medical emergencies.

Whether it’s medical treatment or accident-related expenses, the insurance company will reimburse costs up to the predetermined limit. Moreover, insurance providers maintain a roster of network hospitals where you can receive the necessary treatment.

If You Lose Luggage And Personal Belongings

In case your luggage is lost or significantly delayed, whether due to your negligence or the airport authority, travel insurance offers you peace of mind. The policy will provide coverage for purchasing essential items temporarily while your baggage is located.

While your personal belongings may be irreplaceable, your travel experience will remain unaffected thanks to this coverage.

If the Trip Get Cancelled

Travel insurance additionally safeguards you in cases where you might need to cancel your trip for valid reasons, such as illness, injuries, national emergencies, or natural disasters. With travel insurance, you can be reassured that you won’t lose the entire sum you invested in the trip if it happens to get canceled.

When You Miss A Connecting Flight

When you encounter the unfortunate situation of missing a connecting flight, perhaps due to a delay in your first flight, travel insurance comes to your rescue. This coverage enables you to seek reimbursement for the expenses incurred as a result of the missed connecting flight.

The policy would allow you to file a claim for the expenses you’ve had to incur due to missing the connecting flight. This reimbursement can cover various aspects, including the cost of rebooking your missed flight, arranging new transportation, and even adjusting your accommodations if necessary.

Fraudulent Charges

Imagine yourself losing your credit/debit card during a trip, and suddenly, you start getting texts that someone is using your credit or debit card. Scary, right? You are not only losing your money, but you are losing in an unfamiliar place where assistance might be hard to come by.

However, with the safety net of travel insurance, you would not have to face this problem. Your insurance coverage will reimburse you for any monetary losses incurred due to stolen payment cards, even covering transactions up to 12 hours preceding your initial report of the incident.

What Is Meant By Comprehensive Travel Insurance? 

Another very popular type of insurance is comprehensive travel insurance which consists of various other coverage. They are generally grouped under a single plan. Very commonly, comprehensive insurance for travel consists of a 24-hour helpline for healthcare when some emergency arrives. Alternatively, you might be able to buy every coverage type separately. 

  • Interruption Coverage & Trip Cancellation

This particular insurance helps in reimbursing a traveler for all or some prepaid travel expenses. Under it come trip cancellations, travel delays, cancellations, and trip interruptions. 

  • Baggage Loss and Damage Coverage

A frequent travel problem is your personal belongings getting either lost, damaged, or stolen. It immediately sabotages your whole mood because you have to look for replacements. However, various travel insurance policies pay only for belongings after exhausting other claims. 

  • Rental Insurance

Thirdly, vacation rental insurance coverage includes accidental damage costs from a vacation rental property. Some of these plans might also provide trip interruption and cancellation that help in reimbursing travel costs, particularly when you cannot access your vacation rental. 

Conclusion

Whether you’re preparing for a vacation within your own country or embarking on an international journey, it’s crucial to consider obtaining travel insurance. This prudent step will help guarantee a vacation that is not only secure and trouble-free but also offers you peace of mind throughout your travels.

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Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

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BY  Ankita Feb 7, 2024

Are you dreaming of exploring Canada’s majestic mountains, vibrant cities, and charming small towns? Look no further! The country has so much to offer. But before you pack your bags and head off on an airplane, there are insider tips you can't miss. This guide is here to help you discover the real Canada beyond the famous tourist spots you see in pictures. Let's explore how you can truly experience Canada like a local. Explore Beyond the Cities While cities like Toronto, Vancouver, and Montreal are must-visits, Canada's true beauty lies in its vast wilderness. To truly discover the beauty, consider renting a car or taking a local bus to explore the scenic countryside, national parks, and charming small towns. Let's talk about these cities one by one: 1. Vancouver The city is known for its breathtaking landscapes and greenery. 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It's about diving into the community, understanding their way of life, and discovering the country's soul. So, what are you waiting for? Pack your bags, and get ready to explore the country beyond the surface. Read Also: Winter Camping In Canada: Tips For Cold-Weather Adventures Guide To Exploring Whistler, Canada For A Memorable Getaway How To Enjoy Your Journey After You Book Flight Tickets From Canada To India?

READ MORE warm places to visit in february

Valentine’s Day Voyages: Warm Places for February Romance 

BY  Rishab Dey Dec 30, 2023

Are the gloomy skies driving you to desperate measures? Can a massive blowout break be called desperate? You do have a choice. A secluded road trip across the globe, an incredible once-in-a-lifetime adventure, or a truly tropical beach break. If you want all three, you will need to look for warm places to visit in February. It becomes more difficult to find intense, short-haul sunshine as winter drags on. A carefully planned trip separates a reasonably priced island stay and a mild-weather city break from the US. Both of these can provide much-needed rest as well as relaxation. However, there are plenty of far-flung options that best suit this month. And don't forget to check government travel advice for every destination.  Warm Places To Visit In February  Yes, Februaries are cold. But the warmth it brings with Valentine's is hard to contend against. If you are planning to visit warm places with your special someone to get away from the biting cold of your home country, here are some of your best options. Take a peek into some of the warm places to visit in February.  Morocco  The Miami of Morocco, Casablanca is the modern center of Morocco. The nation's largest city highlights modern Morocco, a humming mix of big finance as well as creative chops. It has been overlooked for lacking Tangier's rich history of bohemian revelry or the romantic chaos of Marrakech. Even better, it's a nearby, mild winter city break. Explore the district's Art Deco area, which is home to iconic buildings like the Cinema Rialto. Indulge in freshly shucked oysters at the Central Market. Get a taste of the past in the untouristy, donkey-filled medinas. You can end the day at a chic restaurant or rooftop café. Sea views, as well as a delicious seared duck breast with honey, are served at Le Relais de Paris. 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In February, you can combine two of the best trips into one. The southern coast's whale shark swimming season is in full swing. The Masai Mara's low rainfall causes big game to congregate in large groups at rivers and waterholes.  New Zealand  Want some delicious privacy? February, the last month of summer, is the best time to see the vistas along New Zealand's eastern seaboard by car. Few landscapes are as untamed and wild as those found there. Here, a volcanic headland meets the shimmering ocean, and multiple opulent lodges bask in seclusion. The North Island's Helena Bay Lodge is spread out over a tidy lawn near the South Pacific's edge. Its exclusive beaches, coves, as well as woodland hikes only see your own footprints. Next, travel to the South Island's Banks Peninsula, a picturesque volcano skeleton ringed with glistening bays and secluded little settlements. Annandale Farm is a mystical haven offering endless views of the ocean as well as locally sourced food. 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There are carnivals and even New Year's celebrations that combine Chinese and Mayan customs. In the end, this list of warm destinations in February should satisfy your need for warmth. This place has beaches, hikes, mountains, caverns, and volcanoes. If these don't motivate you, you can visit animals, museums, and a lot more places without having to worry about the dress code. If you have thoughts to share or questions to ask about warm places to visit in February, please leave a comment below. We would love to hear from you! Read Also: Florida Dreams: RV Camping Along the Sunshine State’s Shore Top 7 Places To Visit For An Asian Solo Traveler Wonders of the Waves: RV Camping Along Oregon’s Coastal Beauty

READ MORE Luang Prabang night market tips

Luang Prabang Night Market Tips: What To Buy At Luang Prabang Night Market? 

BY  Sibashree Nov 6, 2025

On 15th August, 2025, Bounleua Sinxayvoravong, the Deputy Governor of Luang Prabang, announced that Luang Prabang had around 2.15 million visitors in the first seven months of the year.  So, the number of visitors increased to 983,483 or around 83.8 percent YoY. Thus, the city has already earned a revenue of LAK 1,108 billion or USD 52.76 million, which is 92.2 percent of the set target for the year.  Along with the temples and waterfalls of Luang Prabang, the Luang Prabang Night Market is one of the main attractions prompting this tourism boom.  As I was reading the news on the Laotian Times, published in August, I was quickly transported to my time in Luang Prabang in 2022. I vividly remembered what Mai, a Hmong Textile Weaver, told me.  She said, “I learned to weave when I was 12 from my mother. Each scarf tells a story of our village and ancestors. Tourists who ask about the patterns make me happy—they care about our culture.” She also added that her expertise was in hand-dyed indigo fabrics and detailed embroidery. Also, often she worked for long hours at the stall weaved on-site to show visitors the craft in action. She even mentioned that she did not mind working hard to support the education of her daughter.  However, Mai is alone. Beaming with more than 250 vendors, most of whom are women, the Night Market of Luang Prabang has such heartwarming stories scattered everywhere.  In this Tour and Travel Blog, I will share the stories of Mai, Chansy, Khamla, and Nou, the vendors I talked to at the Luang Prabang Night Market. I will also discuss the Luang Prabang Night Market tips about what to buy, what to eat, and more.  What Makes Luang Prabang Market Special?  The Night Market at Sisavangvong Road welcomed me with the scent of grilled meats and the hum of bargaining. Also, the market was decked out with colorful lanterns.  Furthermore, the area was bustling with more than 250 stalls set up side by side. However, despite the presence of so many vendors and buyers, the Night Market was peaceful and respectful. I was amazed to see how they did it!  Another thing that struck me was that most of the stalls sold local, handmade items. I found the vendors very passionate about preserving their traditions and building their livelihood based on them.  I also learned that many vendors here are from the Hmong group.  History Of the Night Market: From Candlelight To Culture Usually, the origin of the Luang Prabang Night Market is said to be in the 1990s. However, it has a strong connection with the Vietnam War.  After the Vietnam War, the displaced Hmong community started making and selling handicrafts for a livelihood. Over time, it evolved into a nightly cultural showcase, attracting travelers from around the world. Finally, in the 1990s, a modest “Candle Market” was set up, and local artisans mostly sold textiles and candles here.  Today, the Night Market is much beyond a commercial hub filled with vendors and buyers. It is a place of economic empowerment, especially for women. Moreover, it is an important element in the recognition of Luang Prabang as a UNESCO World Heritage Site.  Luang Prabang Night Market Tips: What To Buy?  Deciding what to buy is the biggest challenge at the Luang Prabang Night Market. Here is a curated list of items that are the main attractions in the market. Handicrafts • Handmade and naturally-dyed scarves and tapestries• Sustainable and stylish bamboo straws and eco-bags• Silver jewelry with tribal motifs and intricate designsUnique Finds • Recycled bomb metal crafts made from war scrap metal• Lao Lao whisky bottles infused with snakes or scorpions• Hand-painted masks and bookmarksTextiles• Lightweight and colorful elephant pants• Tapa cloth made from Mulberry silk  Where To Buy Souvenirs & Artisan Crafts At the Luang Prabang Night Market? The main Night Market, stretching from the Tourism Office to the Royal Palace Museum, is the epicenter of the shopping experience. The main market stretch on the Sisavangvong Road has many stalls where artisans actively weave and carve.  1. Silver Jewelry Shop At Night Market  Don’t miss these stalls, and here the products sold are the most authentic. At one such stall, I met Chansy, a Lao Silver Jewelry Artisan, who was engrossed in making bracelets.  I liked something at her stall and I asked her if she uses a machine or not! She said,  “Silver work is delicate, but it connects me to my grandmother. Every bracelet is handmade. No machines. Sometimes visitors don’t realize the hours of work behind it.”  Chansy also had earrings and rings in her stall, and she added that coping with the demands of customers who do not want to wait and pay the right money was a challenge for her.  2. Eco-Friendly Bamboo & Recycled Crafts "I use bamboo and recycled materials because I want our children to have a clean future. It’s hard work, but I feel proud when someone buys my bags or straws knowing they are helping the environment." - Khamla, A Local Artisan and Vendor at the Luang Prabang Night Market.  Today, when Luang Prabang wins so many accolades in sustainable tourism, including the “Green Destinations Silver Certification,” it is these craftsmen and people of Luang Prabang who play a vital role.  I spent the most time at Khamla’s stall. Customers were standing in a queue in front of her shop to buy handmade soaps, eco-bags, and bamboo straws.  She was exchanging pleasantries with everyone, and she was sharing tips about using sustainable items, turning each sale into a small lesson in environmental care.  3. Paintings And Bookmarks I met another amazing woman vendor at a painting store at the Luang Prabang Night Market. Her name was Nou, and indeed, a great storyteller she was.  Nou focuses on storytelling through art. She said, “I started painting to earn extra money, but I fell in love with it. Each mask reflects a spirit or animal from our stories. Sometimes tourists just take photos without asking—it feels like sharing our culture.” When I visited her stall, she was working on a hand-painted bookmark inspired by Lao folklore. She said the only challenge she found was conveying the folk stories and their cultural significance to the younger generation and foreign visitors.  4. Recycled Bomb Metal Cutlery And Ornaments I visited the store selling cutlery and ornaments made of bomb metal. It is a reminder that Laos is the most heavily bombed country in the world in terms of per capita assessment. Furthermore, it has experienced major crises, including the Vietnam War and colonization.  If you loved visiting the UXO Luang Prabang Center, you must also explore a stall selling recycled bomb metal cutlery and ornaments for a full-circle experience.  5. Indigo-Dyed Fabric I have mostly seen women vendors at the stalls of indigo-dyed fabric in the Luang Prabang Night Market. Also, these women are from hill tribes, and they are really passionate about preserving their heritage.  You will get beautiful and sustainable cotton scarves at these stalls, and the tribal-style wraps and bags are quite stylish.  6. Artisan Alley Beside Indigo Café This lane is quieter, and some of the items here are cheaper than the stalls at the main stretch of the Night Market. It may be so as fewer tourists visit here.  I collected some miniature masks and wood-carved souvenirs from here.  7. Specialty Artisan Shops Nearby You will find some especially artisan and boutique shops near the Night Market. These are not technically a part of the Night Market, but they also have brilliant handicrafts and local artisan products.  Artisan ShopsSpecialtyMapsGarden of EdenHandmade Artisan JewelryClick HereNaga Creations Art JewelryLao art and jewelryClick HereKhinThong Lao SilkGarments and luxury silk scarvesClick Here Where To Eat: Street Food & Local Restaurants At Luang Prabang Night Market  The Night Market is a must-visit if you are on a Luang Prabang food tour. Don’t forget to try the following items at the market food stalls.  Grilled chicken skewers Sticky rice with mango Coconut pancakes Papaya salad with chili & lime Furthermore, if you are a vegetarian or vegan, you can visit the Buffet Alley near the Luang Prabang Night Market. Here, you will find diverse options at affordable prices.  You will get spring rolls, noodles, and curries here. The cost for the same will be around 15,000 LAK.  Restaurants Near The Luang Prabang Night Market Once you are done exploring the street food at the Luang Prabang Night Market, you can visit any of the restaurants nearby.  RestaurantsSpecialtyGoogle MapBlue LagoonUpscale Lao-European fusionClick HereCoconut GardenLocal Dishes with a Modern TwistClick HereIndigo CaféRooftop views and cocktailsClick Here Luang Prabang Night Market Insider Tips  Check out the table below for the best time to visit the Night Market, bargaining tips, and safety tips.  The Best Time to Visit the Luang Prabang Night Market• Visit between 5 PM and 7 PM for fewer crowds and better lighting for photos.• Visit after 9 PM to get the best deals from the vendors. Bargaining Tips• Start 20–30% below the asking price• Be polite and smileSafety Tips• Keep cash in a money belt.• Watch your step as there can be uneven pavement and cables.  Plan a visit to the Night Market after a hike to Mount Phousi. Thus, you will have an amazing sunset to market experience.  Ethical Shopping: Supporting Local Women & Sustainable Crafts Choose handmade products to support local artisans whose livelihoods depend on the heritage art or craft they are pursuing.  Talk to the vendors and try to figure out the story behind their art and craft.  Support stalls run by cooperatives and avoid buying mass-produced products from China or Thailand.  Avoid buying ivory trinkets and any products made from endangered animals.  Is The Luang Prabang Night Market Accesible For Seniors Or Visitors With Special Needs?  No, I did not find the Luang Prabang Night Market to be an accessible place for the people concerned. In many cases, the pavements are uneven, and there are cables scattered here and there.  Also, the wheelchair facilities are limited in the market, and maneuvering them can be a challenge, considering the market space remains crowded.  Furthermore, there are very few in the Night Market. So, you can bring a foldable stool if you need to sit and rest while exploring the market.  Seasonal Highlights & Festival Nights The Luang Prabang Night Market gets specially decked up during festivals such as the Lunar New Year, Pi Mai Lao (Lao New Year), and Naga Fireball Festival. Lanterns, dragon dances, the display of special crafts, and live music performances bring the market alive.  How To Be A Responsible Shopper At Luang Prabang Night Market?  See, I come from a place where many markets are developed around the art and craft of indigenous people. So, the Luang Prabang Night Market, with most vendors from the hills or the Hmong community, felt familiar.  Also, if you must understand that these people are preserving the cultural heritage and some art forms that go back centuries, furthermore, their livelihood depends on selling these crafts.  So, you have to be respectful toward them when bargaining. Gently ask whether they agree with the price you offered. If not, move to the next stall. Collecting handicrafts from the local artisans is a process of cultural exchange.  Moreover, carry a reusable and eco-friendly bag for carrying the essential items procured at the Luang Prabang Night Market. Thus, you will be able to avoid the use of plastic bags and leaving waste at the market.  Luang Prabang Night Market: A Checklist To Avoid Scams  My local guide accompanied me through the Night Market like a shadow. So, I did not have to worry about the scams and frauds. However, he kept me alert about the possible scams.  1. Fake “Handicraft Certificates” Many vendors display false certificates claiming a product's authenticity. There have been many instances where a vendor has labelled a mass-produced synthetic product as rich silk.  So, ask vendors about the product's origin and look for signs of actual handcrafting.  2. Overpricing For Tourists Many vendors often charge inflated prices for souvenirs and food. Some also sell Chinese or Thai products as local handicrafts.  Get a local guide or explore the stalls and compare the prices before buying a particular handicraft product.  3. Fake Charity Collectors Individuals may approach tourists claiming to collect donations for local schools or temples. These are often unverified and unaffiliated with any real organization. So, only donate through registered NGOs, official channels, or you can get in touch with the temple authorities.  4. Gemstone & Jewelry Scams If you are buying jewelry with precious stones, choose the boutique shops or the reputed sellers, who will provide you with a certificate of authenticity.  5. ATM Dispensing Issues ATMs here dispense large notes, or you may also find local ATMs occupied or running out of cash. Also, when you carry large notes, the vendors may refuse to give you change.  So, always carry cash and small coins when exploring and buying something from the Night Market.  6. Low-Quality Food & Hygiene Concerns Not every food stall at the market is safe. Also, you cannot try every seafood you come across. Many travelers complain about upset stomach or allergic reactions. Also, the local rice whisky, infused with snake or scorpion, contains many highly toxic elements.  The best thing is to eat at the stalls where locals visit. The Luang Prabang Night Market Of Your Dreams! The Luang Prabang Night Market is much more than a shopping experience. Exploring the market is like knowing the true soul of the country.  Every corner of the market tells a story. The local crafts and art present local traditions in the most interactive way. On the other hand, vendors who make a living from them have stories about how they want to keep the tradition alive while supporting their families.  In addition, the women vendors are the soul of these Night Markets, and they are the boss ladies, nurturing their art and skills, earning bread for the family, and spreading awareness about the heritage and sustainable practices.  So, follow the Luang Prabang Night Market tips as I have shared here, and read the stories of local vendors I have met to have the right heads up before the market visit.  Luang Prabang Night Market Tips: Frequently Asked Questions (FAQs) Here are the frequently asked questions and answers about the Luang Prabang Market tips. 1. Is The Luang Prabang Market Open Every Day? Yes, the Luang Prabang Night Market is open every day. The market remains open from 5 PM to 11 PM. 5 PM to 7 PM is the best time to avoid the crowd, enjoy the lights, and take photos. On the other hand, 9-11 PM is the ideal time to get the best discounts.  2. Can I Use Credit Cards At The Luang Prabang Night Market? No, you cannot use credit cards at the Luang Prabang Night Market. There are ATMs near the market.However, ATMs often only accept big notes, and scams are common when exchanging them for change. So, be prepared and carry small notes when visiting the Luang Prabang Night Market.  3. Is Luang Prabang Night Market Safe For Solo Travelers? Yes, the Luang Prabang Night Market is safe for solo travelers and women. The market remains well-lit, and most of the vendors are women. Furthermore, the crime rate in Luang Prabang is pretty low. However, the market area remains crowded, and that can always lead to petty crimes. So, carry your essentials in a money belt and dress modestly to avoid garnering attention unnecessarily.  4. Are Prices Fixed At The Luang Prabang Night Market? No, prices are not fixed at the Luang Prabang Night Market. In fact, bargaining is customary at the Night Market. If you want the best prices, visit the market after 9 PM. The vendors then offer cheap prices as they are in a hurry to close the shops.  5. Can I Take Photos At The Luang Prabang Night Market? Yes, you can take photos at the Luang Prabang Night Market. However, you have to ask and seek permission before taking the photos. As Nou, a stallowner, was saying, “They click our pictures without our permission and post them everywhere. We would be happy to be in their photos, as we know it is like representing our culture. But we also don’t want stereotypes.”